Capital One® Venture® Rewards Credit Card Review

The Capital One Venture Card is an elite travel rewards credit card for people with good credit or better who want to earn free flights and hotel nights without breaking the bank or getting tied down to a single travel provider. In fact, Capital One Venture has been among WalletHub’s picks for the best overall credit cards each year since 2008 – over a decade.

With a $500 initial bonus and double miles (at least) on all purchases, it’s really no wonder why the Venture Card is so popular. It doesn’t even charge an annual fee the first year ($95 after), and there’s no foreign transaction fee. Perhaps most importantly for people who like to shop around for the best deals on travel comparison sites, you can also use your miles to pay for any travel-related charges once they post to your account. That gives you a lot of booking freedom relative to most travel rewards cards, especially when you consider how broad of a definition Capital One uses for Venture Card travel charges.

You can learn more about Capital One Venture’s unique benefits below, in our summary of the key things you should know if you’re thinking about applying for the Venture Card.

Capital One Venture Card Review Highlights:

$500 initial bonus. That’s how much Capital One Venture’s 50,000 bonus miles are worth when redeemed for any travel-related purchase that appears on your statement. All you have to do to earn this bounty is spend at least $3,000 within three months of account opening.

Up to 2% back on all purchases. The Capital One Venture Card gives you 2 miles per $1 spent on most purchases, which equates to 2% cash back when you redeem for travel. Miles are worth half as much when redeemed for anything else. Purchases made through hotels.com/venture yield 10 miles per $1 spent.

Travel-booking flexibility. Unlike many other rewards cards, the Venture Credit Card doesn’t force you to book rewards travel through Capital One. Instead, you can book wherever you want and then simply use your miles to pay for the purchase when it appears on your statement.

Generous ‘travel’ definition. The fact that Venture rewards are worth half as much if you don’t redeem for travel could be a major drawback, depending on how “travel” is defined. Fortunately, Venture views the term pretty broadly. You’ll get full value for your miles by redeeming them for any of the following types of travel expenses:

Airfare

Hotel reservations

Cruise reservations

Train tickets

Taxi, bus or limo fare

Travel agent fees

Time shares

No first-year annual fee. The Capital One Venture Rewards Credit Card begins charging a $95 annual fee on your first account anniversary, but one fee-free year is still better than none. It saves you about $18.15 compared to the average credit card, for one thing.

No foreign fee. None of Capital One’s credit cards charge foreign-transaction fees. And it is one of only two major issuers to take that step. This will save you 1.50% on all purchases processed outside the U.S., whether you’re traveling or simply buying something from an international merchant.

Built to be paid in full. Like most rewards cards, Capital One Venture sports a rather high APR. In fact, you’re likely to receive an above-average rate for your credit standing. So it’s best not to carry a balance from month to month with this particular plastic.

It’s fair to say that the Capital One Venture Card is an elite option for anyone with even a bit of travel on their itinerary. You just need to make sure you have the good or excellent credit needed to qualify. You can check your latest credit score for free on WalletHub to find out.

There’s no official Capital One Venture miles redemption chart. But that ‘s because you don’t need one. It’s not that complicated. Capital One Venture miles are worth a penny each when redeemed for travel and half that when redeemed for gift cards or a statement credit. Since Venture gives you double miles on every purchase, that means you’re getting 2% back when you redeem for travel and 1% back otherwise.

So it’s pretty easy to make your own Capital One Venture miles redemption chart. In fact, I’ll make one for you…

Here are your Capital One Venture miles redemption options:

1. Travel Purchases: 1 cent per mileYou can use Venture miles to book flights, hotels, rental cars, etc., on Capital One’s travel portal. Or you can use the “purchase eraser” tool to put miles toward expenses once they show up on your monthly statement.

2. Gift cards: 0.5 cent per mileYou can get gift cards from most major retailers, from Amazon to Walmart. Denominations vary by store, but you can get a gift card for as little as $10 or as much as $500.

3. Cash back: 0.5 cent per mileYou can get a credit toward your bill or a check in the mail.

4. Donations: 0.5 cent per mile (or less)I don’t think this option is available right now, actually. But Capital One used to let you redeem miles directly for charitable donations. That’s nice and all, but why not just redeem for travel and then use some of your savings to give back?

As you can see, redemption is pretty simple. There’s no doubt how much Capital One Venture miles are worth (1 cent each for travel, or half a cent for cash). And all you have to do to use them is log into your Capital One online account, click on your rewards balance, and choose the redemption option you want.

These are all reasons why Capital One Venture is one of the best travel rewards cards around.

When you look at Capital One Venture vs Chase Sapphire, you’re really comparing at least three different cards: Venture, Chase Sapphire Preferred and Chase Sapphire Reserve. There’s also the Capital One VentureOne card and the discontinued Chase Sapphire card (which some people might still have).

Capital One Venture is the best overall, with an initial bonus of 50,000 miles for spending $3,000 within the first 3 months of account opening. There’s also 2 miles per $1 spent on all purchases. In addition, the $95 annual fee is waived for the first year. But there are reasons to like your other options, too.

The Chase Sapphire Preferred card’s 60,000 points bonus is the best value relative to its fee. The bonus is worth $625 in travel, which covers the $95 annual fee for 6+ years. Chase Sapphire Reserve is best for high-spenders who travel a lot. It offers a bonus worth $750, a $300 annual travel credit and perks like airport lounge access. But it charges a $450 annual fee. And Capital One VentureOne is best for light-spenders, thanks to its $0 annual fee and lower spending requirement ($1,000 in the first 3 months) to earn an initial bonus of 20,000 miles.

Most importantly, you’re unlikely to get any of these cards with a credit score below 700 (or 750 for the Sapphire cards). If you don’t meet that requirement, consider Capital One QuicksilverOne (fair credit), Capital One Platinum (limited credit) or Discover it Secured (bad credit).

Capital One Venture card benefits include 50,000 bonus miles for spending $3,000 in the first 3 months, 2+ miles per $1 spent on all purchases, a $0 foreign transaction fee, and travel insurance. Venture’s $0 annual fee the first year ($95 after) has to be considered a perk, too. But perhaps the best, most underrated Capital One Venture card benefit is the fact that you can redeem miles for any travel expense – future or past.

Capital One Venture Card Benefits List:

Initial bonus: 50,000 miles for spending $3,000 in the first 3 months.

2-10 miles per $1 spent: 2 miles per $1 spent on all purchases and 10 at hotels.com/venture. Miles are worth 1 cent each toward travel.

Travel booking flexibility: Book new travel with your points or get a statement credit after you travel using the Purchase Eraser.

You don’t have to do anything special to get the Capital One Venture metal card. All new cardholders who are approved for Capital One Venture will receive the metal version, unless they specifically request to customize the card with a photo. This is a special promotion that’s been going since February 15, 2017. Capital One has not yet announced an end date.

Here’s how to get the Capital One Venture metal card:

If you’re a new applicant: Apply for the card. As long as you don’t request a photo card on your application, you’ll automatically get a metal card. Just keep in mind that if you ask for a photo card you’ll need to call customer service if you want to switch to metal later, since your normal replacement cards would also be photo cards.

If you’re an existing cardholder: Ask for a metal replacement. Call the number on the back of your card and ask if you’re eligible for the metal version. Some people aren’t, due to things like missed payments in the past. But if you are, you can order a replacement, which should arrive in 7-10 business days.

There’s no difference in rates, fees or the way you use the metal card vs. the plastic one. But naturally, the metal one feels a bit more prestigious. Metal credit cards are typically the cards with the highest annual fees and the best benefits. That being said, don’t worry too much about what your credit card is made of. It’s just a tool for making purchases, and its terms are what really matter.

If you’re keen on getting a metal credit card and don’t want to pay hundreds of dollars in annual fees, this is a great option. Capital One Venture comes with excellent rewards: 2 miles per dollar spent, along with 50,000 bonus miles for spending $3,000 during the first 3 months your account is open.

It’s also important to note that although Capital One hasn’t announced an end date for the Venture metal cards, this promotion could end at any time.

There is no Capital One Venture foreign transaction fee. All Capital One credit cards have $0 foreign fees. That is unlikely to change anytime soon.

Capital One is one of just two major credit card companies, the other being Discover, that don’t have foreign transaction fees on any of their cards. They probably wouldn’t change such a big part of their brand. Besides, Venture is a travel rewards credit card. Almost no travel credit cards charge foreign transaction fees because the issuers want to encourage people to spend money abroad. And if you had to pay an extra 3-5% on top of every purchase, you’d probably look for another card to use internationally.

So while Capital One does have the ability to change their cards’ terms in the future, it would be a really bad PR move. And if that did ever happen, they would be required by law to notify you in advance. For the foreseeable future, though, you won’t have to worry about paying a Capital One Venture foreign transaction fee when you make purchases abroad or through international merchants. The same also goes for Venture’s companion card, Capital One VentureOne. And fee or not, Venture is well worth keeping in your wallet because of its substantial miles earning rate on all purchases.

If you have more questions about Capital One’s policies, you can always call their customer service number at 1-800-227-4825.

Capital One Venture travel insurance covers you for serious accidents caused by a travel provider. It also covers rental cars and lost or damaged luggage. Capital One Venture’s travel insurance benefits don’t cost extra, either. They’re covered by Venture’s $95 annual fee ($0 the first year) and kick in automatically when you pay for travel with the card. You just have to submit a claim if a covered event occurs.

Here are the Capital One Venture travel insurance benefits:

Travel Accident Insurance. Capital One will pay up to $250,000 for death or dismemberment caused by travel companies like airlines, trains and buses. Cardholders, their spouses and any dependents younger than age 18 are covered. For an incident to be eligible for coverage, you must have paid the entire fare with your Venture card or miles. There are a few exceptions to what’s covered, though, so it’s a good idea to read Capital One’s benefit guide.

Lost Luggage Reimbursement. If your bags are lost by a travel provider or get stolen, you can get reimbursed for up to $3,000 per trip. This applies to both you and immediate family. But you must pay for the ticket(s) and any baggage fees with Capital One Venture to be eligible. There’s also a laundry list of items that are not covered, including art, animals, vehicles, sporting equipment, furniture and cell phones.

Auto Rental Collision Damage Waiver. You’re insured for collision damage and theft when you rent certain types of vehicles with your Venture card. Capital One will pay up to the cash value of the vehicle. Notable exceptions include expensive and exotic cars, vans, motorcycles, trucks and limousines.

Capital One Venture travel insurance isn’t the most robust policy available from a credit card. But it’s solid, doesn’t cost you any extra money and isn’t a reason not to get the card. After all, you get Venture for the rewards and use the travel insurance when you have to.

To satisfy the Capital One Venture credit score requirement, your score must be in the good credit range. That means you need a credit score of 660 or above, but I recommend a score of at least 700 to maximize your chances of getting approved. Even so, Venture is somewhat more attainable than a lot of other premium rewards cards, which require excellent credit. For context, the average American has a credit score of 679.

You should also keep in mind that a good credit score isn’t Capital One Venture’s only requirement. Things like how much you make and how much you owe factor in, too. That’s why it’s possible to get approved with a lower credit score or rejected with a higher one.

Some income and assets. The more money you have at your disposal, the more confident Capital One will be that you’ll pay your bills on time.

As little debt as possible. Debt calls into question your ability to pay and can lead to rejection despite a good credit score.

In some cases, the best course of action may be to spend a bit of time improving your credit score before applying for Capital One Venture. You need good credit to satisfy Venture’s minimum credit score requirement, but barely passing that test probably won’t give you great approval odds overall.

You can easily redeem Capital One Venture miles through the Capital One website, mobile app or customer service phone line. That’s fairly standard. What’s unique is that you can redeem Capital One Venture miles either before a trip, to book your accommodations, or to pay for travel expenses after the fact. You can charge any type of travel to your Venture card and then use your miles to pay once the purchases post to your account. You can also redeem Venture miles for gift cards and other non-travel rewards, but you’ll get half the value if you do that.

Capital One Venture’s redemption process is one of its major perks. But there definitely are some do’s and don’ts to be aware of if you want to get top dollar for your miles. So let’s take a closer look.

As you can see, there’s a lot of different ways to redeem Venture miles. And with 2 miles for every dollar spent, along with a 50,000-mile initial bonus, they’ll build up fast. It’s also useful to note that you can redeem through the Capital One app too. Just log in with the same user name and password, click “Redeem Rewards” at the bottom, and select one of the options.

Here are the options for redeeming Capital One Venture miles:

Redeem travel purchases: 1 cent per mileCapital One shows you what travel expenses you’ve made in the past 90 days, and you can use your miles to “erase” some or all of the cost from your credit card statement.

Book a trip: 1 cent per mileThe Capital One travel booking tool is powered by Orbitz, so you should have access to most major airlines, hotels and rental car companies.

Get gift cards: 0.5 cent per mile90 stores are represented, including Bed Bath & Beyond, Lowe’s, AMC and Best Buy. Gift cards for as little as $10 are available for many stores. But the denominations vary by store.

Get cash back: 0.5 cent per mileYou can get a deposit into your checking or savings account or receive a check by mail. You can also set up automatic cash redemption when you reach a certain number of miles.

Transfer miles: Value depends on the partner If you have another Capital One Venture or other travel rewards credit card account, you may be able to transfer your rewards to it.

The most convenient part about redeeming Capital One Venture miles is that you don’t have to decide to use them before making a purchase. You can use the so-called purchase eraser to pay for any type of travel expense charged to your card in the last 90 days. Capital One isn’t stingy about what it considers travel, either. It includes everything from hotels, airlines and cruises to Airbnb and Uber. That flexibility, combined with Venture’s top-notch rewards value, makes it one of the best cards available to frequent travelers.

The Capital One Venture annual fee is $0 the first year and $95 each year after. The normal $95 Capital One Venture annual fee is a bit steep – about 6 times more than the average credit card charges. But Capital One Venture makes up for it with fantastic rewards, including 50,000 miles for spending $3,000 in the first 3 months. That’s redeemable for $500 in travel, and it covers 5+ years of annual fees.

Another way to offset the Capital One Venture card annual fee is with the card’s ongoing rewards. Venture offers 2 miles per $1 spent on all purchases. Spending $1,000 per month nets 24,000 miles per year, equal to $240 in free travel. That covers 2.5 years of Capital One Venture annual fees.

But the annual fee isn’t the only thing you have to watch out for on a Capital One Venture card. There are a few other fees you might have to pay in various situations.

Capital One Venture Fees:

Capital One Venture annual fee: $0 the first year, $95 after.

Capital One Venture foreign transaction fee: $0.

Capital One Venture balance transfer fee: $0.

Capital One Venture cash advance fee: 3% (minimum $10).

Overall, the Capital One Venture annual fee is pretty reasonable compared to the value you receive in return. But if you don’t plan on spending enough to earn Capital One Venture’s initial bonus or to justify paying its $95 annual fee from the second year on, there are plenty of rewards credit cards with no annual fee. Just make sure to consider both how much you’ll earn and how easy the rewards will be to redeem.

​You earn Capital One Venture miles, not points. But it doesn’t really matter. Plenty of travel rewards credit cards offer points, and plenty of others give you miles. The key is that you’re not earning cash back, which means you need to figure out how much your miles are worth. Fortunately, Capital One Venture miles aren’t like most other credit card miles. You don’t have to use them with a particular travel provider or on a certain website. And how much value you’ll get isn’t a mystery. Venture miles are worth a penny apiece when used to pay for any travel purchase made with your card, once that purchase shows up on your statement. Since Venture gives you 2 miles per $1, you’re basically getting 2% cash back on everything when you redeem for travel. You can also redeem Capital One Venture miles for a gift card or statement credit, but they’re worth half as much that way.

For example, Capital One Venture’s new 50,000 mile signup bonus will get you $500 in travel or $250 in cash. So if you take advantage of this offer now, you’ll save $100 more on travel versus the old 40,000 miles bonus.

For comparison, most credit cards give you 1 point or mile per $1, or 1% cash back. Needless to say, Capital One Venture is one of the best miles credit cards out there and probably one of the best cards overall. Just remember that you need good or excellent to qualify. And you need to take a flight or stay in a hotel regularly to make the most of your miles.

3.9 out of 5

I have NEVER had a worse experience with a credit card company in my 20 years of using credit cards. Now I can’t even pay for my medical bills because i had to close the card due to the stupidity of 4 different people and spending a total of 2 hours of my time being dragged around and given different answers each time. And I JUST opened it! I ultimately had to close the card because no one would help me and every single person I spoke with made banking with you IMPOSSIBLE. I will 100% absolutely be dragging your name through the mud forever. Thanks for nothing. Extremely disappointed. Feel free to look my name up in your system for proof that I was tossed from person to person. Horrible.…show more

Twice, they have arbitrarily and capriciously deactivated my card when I was traveling, leaving me without a card to pay for transportation, lodging and food. No notice, and no help from customer service. If I have to carry a second card to protect me from Capital One's whimsical decisions, it begs the question of why I need their card.

The travel options are completely terrible. With nearly 100,000 miles you're still paying out a significant amount of cash for terrible flight options. It's cheaper to shop your travel needs through travel websites. I'm completely disappointed in this card since I got for travel purposes.

The whole point of this card is you don’t have to pick from a selection of flights provided by the credit card company. You book whatever flight you want wherever you want. Then when the purchase shows up on your bill, you pay it off with miles….

Capital One Venture has the absolute worst customer service ever! I've had 2 different issues with fraudulent disputes and they don't ever help the customer out. I had a shady airline website make charges that I never authorized and tried to make me pay cancellation fees to remove the charges and Venture told me to file a Dispute. Which I did and the manager at Venture reassured me not to cancel the charges even though I only had 24 hours to cancel or they would charge me the full amount. The manager said I would win the case and not to cancel in order not to get the cancellation fees added as well from the shady merchant. I did what she asked and then 2 months later they sent me a letter saying my case was lost because I never canceled the charges that they supposedly said they've taken care of and said the case is lost and the money has been paid to the merchant. I told them the phone calls are recorded and I have the manager's name and employee ID and they said they needed that in writing not over the phone and it's my responsibility since it was my card. Stay away from this card, american express handles all your disputes for you with no problems and they make sure the customer is priority over the merchant. Any shady fraudulent activity occurs, american express has your back. Venture is only interested in taking your money and treating you like your the problem. I'm closing my account with them as soon as the dispute is closed and am telling every person I know not to get this card.…show more

I don’t know about the credit card itself, because I didn’t receive it yet, I applied on October 17th and today we are November 8th, my concern it’s about the costumer service, it was very poor and very bad.First of all to speak with a representative, you need to wait on holding for at least 30 minutes, I called 3 times, and each time it was that long.Second they only information that they provide you is: you gonna receive it soon !!!!On my last call I was told that they gonna cancel the card and send me a new one in 6 to 10 other business days, so I asked about the APR because basically the time l am gonna receive the card, I am gonna have only 11 month APR instead 12 month, they said there is nothing that we can do about it.I am really disappointed about that, and I pretty sure that I am gonna receive my first bill before even receiving the credit card, do you think that is fair?…show more

Got this credit card about 5 months ago. I appreciated that I got my bonus rewards right when I hit the promotional spending requirement, without having to jump through hoops. Also appreciate their fraud text alerts regarding potential unauthorized used of my card. To block the transaction, I just had to text back saying 'no' and it blocked my card. I get a piece of mind knowing that if someone tries to steal my credit card, I'll be notified.…show more

One of the worst customer care ever despite of annual fees. Cancelled card after two years. No balance on card with use of card over $3000 a month, they were not able to solve simple problems. Most of the time disputes were solved months later. Customer reps are unfortunately very low intelligence and not interested in helping customers. Do yourself a favor and skip this card.

Stay away from Capitol One. Ripped me off $59. No one to talk to. And they just don't care. Paid $59 for a card I didn't have. When I thought they were being shifty I said let me record this phone call. Of course they said no. They don't want the public to know how they rip people off. Stay away - Too many other cards to deal with these people.

After six months of being patient trying to work through a dispute with Expedia I ended up closing the account. This is not a company that will fight for its customers. I paid to have a flight rescheduled that was then cancelled by the airline (fun times trying to outrun Hurricane Maria...) Neither the airline nor Expedia would work with me on a refund. Capital One drug this out for SIX MONTHS and I patiently worked with them (shame on me). After six months they told me that it was too long to pursue this any further and washed their hands of it. I cancelled the card with $130 in points left on the card which they would not refund me. Hopefully they use it for personality training for the supervisor who handled my case because she has NONE.

Peace out Capital One, I won't be back. We transacted over $60K annually through that card and were never late on payments. I went to Citibank, got the same 2% rewards with no annual fee. And... and... wait for it... they have free TRAVEL INSURANCE in case crap like this happens to you! Pick another card and another company. This one isn't for you.…show more

They loudly claim that your 'rewards' never expire. So imagine my surprise when I find that I'm no longer able to apply my travel rewards after 90 days! Customer service reps had a difficult, tongue-tied time trying to explain to me that the travel expenses which enable me to claim my rewards - really are NOT my rewards. Capital One defines 'rewards' on this credit card as total expenses charged (which in fact give you nothing unless you have travel points to deduct from them). The poor phone reps trying to justify this scam to me were obviously squirming. Then they informed me that really, I can apply my travel points for up to 180 days of the travel purchase - but I have to phone them to do that, as they disappear from the screen (so how would anyone know that without keeping an Excel spreadsheet?) And I was told that if I could apply only a portion of my travel costs, the remainder would still be available to use. But that remainder also permanently disappears from the screen.When I asked to speak to a manager to complain about their false advertising, I was told "when I was approved for the card I was sent paperwork specifying that my travel purchases could not be redeemed after 180 days - somewhere in the fine print". Be prepared to receive a couple of dollars in the class action suit...…show more

UGH! This is the first credit card I have had in 20 years! Redeemed my rewards and paid the balance as instructed. I was charged interest because the “rewards reduced my balance 338.00 but I still had to pay the total due 1537.04”! (Not 1199.04 as I was instructed to do) Right hand doesn’t know what left hand is doing! Lots of double talk! More trouble than it’s worth! Wouldn’t wave a 12.00 interest charge! Buhbye Capitol One!…show more

I have used this card for a few years. They have allowed a fraudulent charge that has cost me $1100 & customer service didn’t do anything to resolve the issue. Capital one provided me with 0% protection against a fraudulent / scam charge. Definitely not recommending it to anyone

I applied for this card online and was approved with a $10,000 credit limit. Received the card and attempted activation which failed. Called customer service, was transferred to the fraud department where a rep told me there was high suspicion that the application was fraudulent (in other words that I was committing fraud) and that I would need to send in copies of my drivers license, a utility bill or bank statement, and my social security card. Two red flags right away. One, why would they send me a card when there was a high risk of fraud in their opinion? Two, I have never been asked for my physical SS card and I guard it closely. I told the rep I would not send in my SS card as I thought this was risky and unnecessary. I was put on hold then told I was approved to only provide one form of ID, my Drivers license, and that the fastest way to get approval would be to go to a bank and present my ID to a banker. The next day I called back to confirm this information and the rep again checked with someone and assured me this was correct. So I went to a bank, presented my ID to the banker who called the fraud department. I was put on the phone and the rep proceeded to tell me that I could not have my identity verified by this route. Unbelievable and embarrassing. I called later and requested my account be closed and requested a letter stating account closure which I have not received. If you do a search about this you will find numerous reviews about being subjected to this bogus fraud suspicion and how many people are still denied activation even when sending in all the requested documents. I have no idea what flagged me as high risk for fraud...the only thing I can imagine is that my physical address and mailing address (a USPS PO Box) are different. Never again would I do business with this company. And now I have hard hits on TU and Equifax. My advice if you get this runaround...just immeditately cancel, it's not worth the misery.…show more

I decided to purchase the Capital One Venture Rewards credit card because I had a close friend with the card who had nothing but positive reviews about the card. I obtain points each time I use my card and have been able to use these points for later purchases. I like this perk very much, but the one thing I would improve is how much we get back. Instead of 40,000 miles, it should be smaller, such as 20,000 or even 30,000. In the end though I would recommend this card to users because there's no expiration date and you can keep earning as much as you'd want.…show more

Over the years I have had many experiences with "rewards" cards. But I have to say that my Capital One Venture Card, has provided me with more solid and noticeable rewards than any of the others! I travel a lot as a backpacker, thus getting everything I can for my money spent, only adds to my ability to travel! The miles and rewards add up quickly, as well as a solid interest rate, this credit card has been perfect for my needs!! And on top of that, no foreign transaction fees!!…show more

Over the years I have had many experiences with "rewards" cards. But I have to say that my Capital One Venture Card, has provided me with more solid and noticeable rewards than any of the others! I travel a lot as a backpacker, thus getting everything I can for my money spent, only adds to my ability to travel! The miles and rewards add up quickly, as well as a solid interest rate, this credit card has been perfect for my needs!! And on top of that, no foreign transaction fees!!…show more

I am somebody who travels multiple times per year, so I know a thing or two about rewards programs for airline miles. In my opinion, the Capitol One Venture Rewards program is one of the best options out there for travelers. There is a reason that this card is so highly recommended for people who are living abroad. I love banking with Capitol one, and I've been a customer of theirs from the very beginning.…show more

This card has been absolutely awesome. 2 miles for every $1 spent is a very tough deal to beat. Capital One is also one of the top companies because of it's fraud protection and customer service. You cannot go wrong picking a Capital One back credit card. So, if you have the credit line to apply and can use the miles for vacationing or leisure, then this is a great card for you.

The Capital One Venture Card is a must for the avid traveler. The miles add up very quickly at 2 miles for every dollar spent. Once every year I redeem my miles to pay for my annual trip to see my family in Ireland. While there is an annual fee, it is still far less than the cost of the tickets that I obtain every year.

I got this card basically to take advantages of the miles rewards, and that this card does very well. You will be adequately rewarded with miles if you use this credit card. That being said, it irritates me to no end that I have to pay a $59 annual fee. I spend thousands on this card and it really feels petty. I don't see why Capital One feels the need to nickel and dime their customers. The APR is nothing to get excited about, it seems to be pretty standard, and I am sure they would happily jack the rates if you have a single late payment. Miles are good but that is about it.…show more

I've been a user of Capital One for many years now and have never had a problem and always enjoyed their service. I recently got the venture reward card as my job has me traveling more and the rewards included are awesome. I get great bonuses for how many miles I travel and is especially nice for long trips that require air travel. So far I've been happy with my experience using this card and don't see myself switching anytime soon.…show more

I have a regular Capital One Platinum Credit Card and also got this Venture Credit Card solely for the miles benefit. Once I spent $3000 I got a bonus 40K miles which was not hard to spend and for every $1 spent I got 2 miles, which was also awesome. I travel a lot to see my family, so any miles I can get to lessen the expense to see my family is helpful. I can use the miles anytime and there are no blackout dates.…show more

I love this card mainly for the Air miles I get. They add up pretty quick so I love that I can take a trip every couple months or so in the continental US or if i save up for a while a trip more farther away. Its easy to use the miles because you can buy the tickets anywhere and then the miles get subtracted at the end of the month so you don't have to worry about having black out dates or anything like that. All in all a great card!…show more

I've used capital one for years and never had a problem. Their interest rates are fair and their customer service helpful. This particular car the capital one venture rewards card, looks like a great deal for people who travel. You can get lots of miles/points. I like the feature that time miles don't expire. That would let you save them up for a bigger trip.

Do NOT get this card!!! They use a ridiculous fraud prevention algorithm that keeps declining my purchases and it's incredibly frustrating! It's a travel card, for pete's sake, and they freak out when they see international purchases! They had declined some reservation I made in Peru like a month ago, and I had to call to get that straightened out, but then they declined a reservation for Machu PIcchu tickets last night. I called and they assured me there was now an alert on my account and that it would go through next time. So I tried again, maybe an hour after I spoke with them, and it was declined again!!! I called back and at first they tried to deny it, but you know they decline it because they send an email immediately. So she finally admitted they declined it a second time and she admitted that it's all automatic? But she had me try again while I was on the phone with her, and it was declined a third time. This time she said it wasn't on their end and that the company was probably declining it due to too many attempts!!! I suspect she is right because I did not get an email from Capitol One the third time around. So now I have contacted the company and am waiting to hear back. But still, if the company agrees to accept the payment next time, how do I know Capitol One won't decline it again?!?! It's an algorithm that is clearly out of control! So don't do it--it's not worth it!!! They also put a stop on my husband's card after he made two purchases at the same store in the same day. It's ridiculous!…show more

Let me say one thing, I've been with Capital One for a long time and it's a great company. I don't have this card because I don't have use for mileage, but I will say they are a decent company. To those of you that say the card looks great, let me ask you a question? Who cares what a card looks like? It's designed to swipe for a purchase not impress somebody, if you are so shallow that you care what kind of card you're using and whos looking then you need to reevaluate exactly what your priorities are.…show more

The Capital One Venture card looks to be a great card for someone who travels. I have used other Capital One cards in the past and they were good to me. I now use Barclay Rewards cards, as I would rather have points toward money back than miles toward airline flights. The other thing I would change about this card is the annual fee of $59 after the first year. None of my cards have fees and never will. I do not understand cards that still charge annual fees. They do get a big WIN for the smart chip in the card!…show more

The Capital One Venture Rewards Credit Card is a terrific choice for the inveterate traveler. If like me, you are planning your next trip while ON a trip, then I think this card deserves your attention. Flexibility is its biggest selling point. This card gives total choice on where to apply your points - any airline, any hotel, no blackout dates. Not many cards I'm aware of do that. Also, it features a smart chip for security and no foreign transaction fee. I got dinged on the transaction fees on my last trip. Ouch! So, why did I give it 4 stars and not 5 stars? I think the $59 annual fee after the first year is a bit steep.…show more

I love my venture card. Not only does it have a big spending limit but it also gives me two miles on an airplane for every dollar I spend. It wouldn't be good for someone who doesn't like to travel much or often but for someone who likes to explore and go on planes as often as possible it's literally a dream come true. The fee's aren't the best but they're manageable and you don't have to pay them often if you keep up with your spending. Not to mention the card looks great!…show more

I got the Capital One Venture a little over a year ago, and so far I like it. I love having flexibility in regards to where my points are spent, and the fact that my points do ot expire. Since I use the card for business transactions I am able to earn points quickly.

I do not like the annual fee. Annual fees are outdated and annoying for consumers. I also do not like that the card gives the same rewards for everything. I also do not like that the card does not include an introductory interest period. This is surprising due to the fact so many cards do. I do like that the card has no blackout dates. I also like that the miles do not expire. I also like that the Capital One provides you with your credit score. This makes it easy to track the effects of your spending habits on your credit.…show more

Because of my job i travel a lot. This card is best for the people like me who travel a lot as their is complimentary upgrade and special saving in hotels, spa and resort. you can enjoy concierge service while traveling on his card. this card is best for me because i have to travel as my company main branch is at Germany so have to frequently go there so their is no foreign transaction fee on this card and one more nice feature is it provide auto rental insurance in which you can you this card to rent a vehicle and you're covered for collision, damage an loss. i keep a reminder to never forget this card while traveling.…show more

Capital One overall is a fantastic credit card company to deal with and their Capital One Venture Rewards Credit Card is no exception to that. Starting with the basics, you have a low interest rate, low fees, and a crazy list of benefits. That's really the best part of this card.

Tons of rewards. Lots of possible points towards travel, concierge service, emergency services, and even rental insurance! If you're a traveler you'll be hard pressed to find a better card. Even if you don't travel a ton, this card has so many benefits it's more than worth it. This card easily gets a 10/10.…show more

This is a wonderful card. My boyfriend and I have both applied for one now. We love the rewards program and how flexible the redemption options can be. We are saving our points for Christmas! All in all it is a great card—we love the low interest rates as well, but the rewards are most definitely the best feature of this credit card.

I heard about this card though a friend because they knew I was traveling a lot. I saw the great perks of mileage rewards and decided to sign up. I was a little disappointed there was a annual fee on the 2nd year of $59, but overall the travel rewards made up for it. Overall I have enjoyed using this card, and have never had any problems with customer service. The 24 hour road assistance actually saved me big time 4 months ago when I was traveling late at night. I like everything but the annual fee...…show more

The most appealing aspect of the Capital One Venture Rewards Credit Card is of course the 2x miles on every single purchase. Even my Discover Card does not offer points on just any kind of purchase. The added bonus of 40,000 points is one of the best offers that I have seen in addition to the points not expiring. A huge disadvantage for me is the $59 annual fee after the 1st year. There are so many credit cards like my Discover that do not charge an annual fee so I don't see any advantage is having an annual fee.…show more

Because of my job, my husband and I travel a lot. Capital One Venture Rewards Credit Card is a great card for travelers like myself to have. I love the fact that miles do not expire and there are no black out dates. And the customer service is great. I had a problem the other day with making the payment for my Capital One Credit Card. I told them that last month my account showed that I payed but than the payment did not go through. The manager at Capital One fixed everything and canceled the the fee for not paying on time. The customer service representative were very nice and understanding. Thumps up.…show more

I travel a lot, and I almost always use a credit card instead of my bank card when I do, so this card is perfect for me. The miles always seem to add up quickly. And the fact that there are no black out dates is hugely important. I've had the card for less than a year, and I'm not thrilled about the fact that there will now be an annual fee of $59 (not the mentioned $35 on this page), but it's still totally worth it. The APR is pretty low as well, but I always pay it off anyway.…show more

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Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.